Reduced Lump Sum Payment Request?

Request a reduced lump sum payment ... Capital One Credit Card*****-****-****-******Dear Capital One ...**I I've just received a summons from you for a court date on ******.**I was talking to a friend about it who told me she had went through the same thing, except she'd read online that her debt was probably already a tax write off, and to contact her card company and ask them if they would be willing to settle for a reduced lump sum payment.**She asked, they did, and no one went to court ... I'm barely surviving financially so If I can't afford to pay you monthly, I certainly can't afford an attorney's fee.**Now I have another (God send of a) friend who just told me to ask if you will take a one time cash payment of $*,***. to eradicate the debt completely, and he will make the payment to you, for me.**Please let me know if we can come to this agreement?**Sincerely,**Gean Germain****-***-*****Capital One Credit Card*****-****-****-****